PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Commonwealth

Louisville, KY · Charter 62227

Q4 1999

$2.0MAssets
$1.3MLoans
$1.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.11%, down 417 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.68% of loans (-505 bps YoY).
  • Funding: loans stand at 72.57% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.11%-417 bps YoY

Net Interest Margin (YTD, annualized)

4.62%
n/a

Efficiency Ratio (YTD, annualized)

97.74%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.54%4.00%3.69%4.28%2.97%3.30%2.59%0.11%-417 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.62%n/an/a
Efficiency Ration/an/an/an/an/an/an/a97.74%n/an/a
Growth
Asset Growth (YoY)-6.45%2.47%6.02%-6.21%-8.52%-13.38%-11.14%-9.18%-296 bps
Loan Growth (YoY)-7.28%-4.21%-7.62%-11.27%-23.55%-36.10%-28.76%-23.09%-1,182 bps
Share Growth (YoY)-8.16%0.58%5.09%-8.81%-10.91%-16.31%-13.32%-10.91%-210 bps
Asset Quality
Delinquent Loans / Loans2.15%2.52%1.56%5.73%2.35%3.09%1.50%0.68%-505 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.06%1.52%1.44%1.42%1.37%1.38%1.48%1.79%+37 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares80.96%94.80%77.42%84.06%69.47%72.39%63.64%72.57%-1,149 bps
Liquid Assets / Assets25.26%15.56%19.82%21.19%22.87%29.64%36.73%35.76%+1,457 bps